Alfonso D. Email & Phone Number

Mexico City, Cdmx, Mx

Nueva York Y Alrededores

Provide assistance with the accuracy of financial models, create cashflow/analytics models for securitized products, cash flow modelling and collateral quality assessment. Comprehensive and methodical interpretation of prospectus information and deal structural features including but not limited to collateral, waterfall, triggers, hedges, paydown rules, loss allocation rules among other relevant transaction information. Remain current on new developments in advisory services capabilities and industry knowledge, work with and interact with front-office investment banking clients. Segregate large client portfolios and determine the level of Risks for different Asset types. Valutation of structured products using third-party models.

Ciudad De México, México

Elaborate the annual budget for the corporate investments and operating expenses to be submitted to the Mexican Congress for approval. Coordinate with the different related companies in Pemex the adequate assignment of the budget to comply with the economic objectives of the annual forecast. Oversee the international trade operations to assign the budget to pay the correspondent taxes. Maintain appropriate coordination with the finance and accounting teams in the related companies to pay vendors and suppliers via transversal agreements.

Ciudad De México Y Alrededores, México

Structure complex loans and financing for corporate clients with Structured Trade Products, Asset Based Loans, Supply Chain Finance and Receivables Finance. Book and distribute in order to achieve revenues and expected results. Work under pressure through personal drive and perseverance, encouraging collaboration and building rapport with key stakeholders, negotiating financial and non-financial covenants, such as legal pre-funding conditions. Work in an environment where risk is routinely anticipated, identified, quantified and acted upon in a timely efficient way to achieve consistently growth targets within the Latam portfolio. Recommend to Wholesale Credit Risk new limits for clients by the analysis and interpretation of comprehensive information and/or customer requirements. Build rapport and mutual understanding to communicate to create business opportunities according to the Bank’s risk appetite.

Ciudad De México Y Alrededores, México

Monitor a USD14Bn commercial loans portfolio (global & commercial banking). Implement early warnings for WCR, LICs projections, risk dashboards and frameworks for HSBC executive committee in order to evaluate portfolio's progress. Establish underwriting and lending guidelines, single name and sector caps. Review the credit cycle process from origination to recovery. Define jointly with the business team a risk appetite statement for the different lines of business in wholesale banking. Attend internal and external audits/regulatory requirements. Close monitoring to high-risk sectors in Oil & Gas, commodities, and government exposures on a case-by-case basis.

Hsbc - Mexico Paseo De La Reforma 347, Mexico City

Full underwriting process, approve local facilities up to USD50m and recommend for approval to LAM Chief Risk Officer limits above local authorities. Special monitoring on high risk economic sectors, such as: Oil & Gas, Commodities and Government exposures on a name by name basis. Attend committees for loan problem exposures. Define single name borrowing caps, economic sector caps and lending guidelines, in order to avoid excessive concentration. Project Manager of IFRS 9 implementation in Wholesale Credit Risk. Evaluate derivatives suitability, (wrong way risk, mark to market, CSA thresholds, and stick positions). Develop training for new credit risk officers and relationship managers.

Structure and recommend for approval all types of loans such as: bilateral, club deals, syndicated loans, leasing, vendor finance, factoring, asset based lending and trade finance and recommended to senior credit committee in Panama loans up to USD140m. Assess the appropriate financial terms and conditions such as legal procedures. Loans follow up and monitoring.Collaborate with the distribution desk elaborating financial projections for pitch books where Baldex participated as lead arranger. Coordinate with the rest of the offices in Latin America for limit and sublimit allocations.

Recommend to local credit committee relevant transactions for commercial banking clients. Active member at the senior credit committe. Associate partner in the Mexican Banking Association, participating in the credit division. Created and applied several strategies with government institutions to support Mexican companies growth (Nafin & Bancomext) with LGD benefits.Developed credit programs for private banking clients. Elaborated internal credit policies for the underwriting process in the Commercial Banking division.Formal kick off at Moodys Financial Analyst.

Elaborated financial spreads, analyzed credit applications and recommended loans to faculty members.Client´s follow up with behavioral models, watchlists, and portfolio review. Implemented the credit score for the SME clients.

Filled out the monthly investments report and realized daily clearing process. Bought foreign exchange currencies to pay international suppliers. Keep up to date the policies & procedure´s manual of the Treasury. Oversight the cash conversion cycle. Evaluated losses originated by violent assaults at deliveries from 2000 - 2004.

D1 Leadership, Business Administration And Management, General

Maestría En Evaluación De Proyectos, Project Management

Activities and Societies: Project Management InstituteMasters at Project Management

Lic. Administración Financiera, Inglés, Finanzas Y Mercadotecnia

Activities and Societies: Equipo de Tenis.Univerisity of California at Dominguez Hills Marketing and Finance concentration Aug-Dic 2003